Q: I’m thinking about ­taking out private medical insurance for my family. What should I consider?

A: Be aware that ­pre-existing medical conditions may not be covered, while a ­decision to have both inpatient and outpatient cover can ­affect the price. Different plans cover different hospitals and this could also limit your options if you need treatment.

Q: What is the process for buying a house?

A: Buying a house is one of the biggest financial decisions you will make in your life, but here’s a 12-step plan to make it a little easier...

1. Work out how much you can afford 2. Get a mortgage agreement in principle 3. Choose your home 4. Make an offer 5. Reach a deal on price. 6. Choose a solicitor 7. Have a ­survey and ­valuation. 8. Arrange for life insurance 9. ­Finalise your mortgage with your solicitor. 10. Exchange contracts and finalise financial details 11. ­Organise your move 12. Move in!

Q: Is my money safe in an ISA?

A: Wth stocks and shares ISAs there is an element of risk as your investments could fall in value. A cash ISA is just like a ­savings ­account and the value of your investment can’t fall. ISAs are covered by the Financial Services Compensation Scheme, meaning that if your bank were to fail, your savings would covered, up to £50,000.